Cluster Sales Manager

Cluster Sales Manager Cross Sell Personal Loan

Job Description (JD)

Department: Cross Sell Personal Loan
Designation: Cluster Sales Manager (CSM)
Function: Sales & Business Development
Location: Cluster / Multiple Branches

Job Purpose

To drive personal loan cross-sell business across assigned branches by managing sales teams, maximizing opportunities from the existing customer base, achieving business targets, and ensuring quality sourcing and disbursement.

Key Roles & Responsibilities

• Manage and monitor Personal Loan Cross-Sell business across the assigned cluster.
• Lead, guide, and motivate Sales Managers / Sales Executives and ensure achievement of individual and cluster targets.
• Identify eligible customers from the existing customer database for personal loan offers.
• Drive customer acquisition through branch leads, tele-calling, digital leads, referrals, and other sourcing channels.
• Ensure regular follow-up with customers and convert eligible leads into personal loan applications.
• Monitor the complete sales funnel from lead generation login approval documentation disbursement.
• Conduct regular branch visits and review sales performance against daily, weekly, and monthly targets.
• Develop action plans for underperforming branches and team members.
• Ensure proper customer profiling, eligibility assessment, and recommendation of suitable loan solutions.
• Coordinate with Credit, Operations, Branch teams, and other stakeholders for smooth processing and timely disbursement.
• Ensure proper documentation and adherence to company policies, processes, and compliance requirements.
• Track competitor activities, market trends, and local business opportunities.
• Prepare and share MIS, productivity, conversion, login, approval, and disbursement reports with the Regional Sales Manager.
• Ensure quality business with minimum rejection, cancellation, and delinquency risks.
• Conduct regular team meetings, field visits, coaching, and performance reviews.
• Support recruitment, onboarding, and training of sales team members when required.

Key Performance Indicators (KPIs)

• Monthly Personal Loan Disbursement
• Login & Approval Achievement
• Lead Conversion Ratio
• Branch-wise Productivity
• Sales Team Productivity
• Customer Acquisition
• Revenue / Business Growth
• Quality of Sourcing
• Target Achievement
• Attrition & Team Stability